insurance
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Illinois Workers' Compensation Settlement Calculator: Understand Your Claim
Unless the employer/employee agreement specifies otherwise, a workers' compensation settlement approved by the Illinois Workers' Compensation Commission bars any future financial relief to the
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FFS vs. CDP Health Plans: Understanding the Key Differences
Fee-for-service health plans reimburse patients and providers upon usage of health-care services, after service is rendered. Consumer-driven health plans, also known as high-deductible health plans, a
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DOT Insurance Rider: Understanding Dividend Options & Term Life Insurance
Life insurance is an important purchase, but there are so many options that it can also be one of the most confusing investments you make. A good insurance agent can help you sort out which type of in
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Understanding SDI on Your Paycheck: What It Is & How It Works
For most workers, a paycheck is an alphabet soup of deductions. Federal and state income taxes are withheld from most paychecks, as are the various Social Security and unemployment taxes. Other deduct
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Wholesale vs. Retail Insurance Agencies: Understanding the Differences
Insurance agencies usually offer significantly different products to their clients -- ranging both in the types of policies that they write and the nature of the clients they cover. Finding the right
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Waitstaff Benefits: What You Need to Know
Waitresses and waiters may not receive the federally mandated minimum hourly wage, as other hourly wage workers do, but they are privy to benefits such as health insurance if other workers within the
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Understanding the W-9 Form for Insurance: A Comprehensive Guide
Insurance companies and the Internal Revenue Service are far from similar organizations, but sometimes they do require similar paperwork. Policy holders may be surprised to receive a request for a W-9
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Insurance vs. Guarantee: Understanding the Key Differences
Life holds many uncertainties, some of which can result in significant financial loss. Although there is no way to prevent loss in all instances, instruments such as insurance and guarantee (also spel
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Deductibles vs. Copays: Understanding Your Healthcare Costs
Deductibles and co-pays are two types of out-of-pocket costs associated with insurance plans. Health, vision and dental insurance may have co-pays -- shorthand for co-payment. Most types of insurance,
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SSI and Dental Coverage: Understanding Your Options
The Supplemental Security Income program is designed to provide financial assistance for low-income Americans who are aged, blind or disabled. The program provides monthly payments to help these indiv
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Understanding Annual Insurance Premiums: A Comprehensive Guide
An annual premium is a fee paid to an insurance provider in exchange for a one-year insurance policy that guarantees payment of benefits for certain covered events. Some insurers require annual premiu
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Automatic Premium Loan Provision: Understanding Cash Value Life Insurance Flexibility
A cash value life insurance policy often includes several optional clauses. One is called an automatic premium loan provision. The provision allows you to automatically borrow from the accumulated cas
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Prescription Drug Costs Without Insurance: What to Expect in 2024
The cost of prescription drugs without insurance is a source of immense stress for many Americans. As prescription drug prices continue to increase, knowing the cost of prescription drugs without insu
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Pretax Voluntary Life Insurance: Benefits & Tax Advantages
When you're hired by your employer, he may offer you a wide variety of fringe benefits. These benefits may include life insurance. Life insurance benefits offered by your employer may also be paid
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Understanding Health Savings Accounts (HSAs): A Tax-Advantaged Savings Option
Health Savings Accounts (HSAs) were created by the IRS to provide consumers with a tax-free option for saving money toward qualified medical expenses such as doctor visits, prescription drugs and immu
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Understanding RMDs on Non-Qualified Annuities: A Comprehensive Guide
Non-qualified annuities are insurance policies that provide you with a guaranteed income option when you retire. These annuities may also allow pre-funding of your retirement savings. Such annuities a
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Unemployment vs. Disability Insurance: Key Differences Explained
The federal government has established programs to provide financial assistance to individuals in need. Two of the most common programs offered by the government and administered by the states are the
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Life Insurance Beneficiary vs. Successor: Understanding the Key Differences
Many people receive life insurance through their employer. Others purchase additional policies to supplement their first policy. Many families rely on the benefits provided through life insurance. The
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Understanding Pro Rata Insurance: Calculations & Applications
"Pro-rata" refers to parceling something out proportionally. For example, you might prorate monthly rent payments if you only rent an apartment for part of the month or have your biweekly sa
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Cost-Based Provider Reimbursement: How It Works & Implications
"Cost-based provider reimbursement" refers to a common payment method in health insurance. Under cost-based reimbursement, patients' insurance companies make payments to doctors and hosp
insurance
- Life Insurance Beneficiary for Minors: What You Need to Know
- Cell Phone Insurance: What's Covered & How It Protects You
- Understanding and Calculating Unearned Premium: A Comprehensive Guide
- Life Insurance Sales: Benefits & Drawbacks - Is It Right For You?
- Life Insurance Beneficiary: Choosing the Right Recipient
- Washington State Short-Term Disability: Employer Obligations & Employee Rights
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Selling a Car with a Title Loan: A Step-by-Step GuideIf you're in a position to be borrowing against the value of your car using a title loan, the next logical step toward stabilizing your finances may be to sell the vehicle outright. Doing so means...
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Income-Driven Repayment Plans: Are They Right for You?An income-driven repayment plan can help to alleviate some of the financial stress of repaying your student loans. Although you will still have to make monthly student l...
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Boost Your Income: Using Dividend Investing for Annual RaisesHow much of a pay raise did your employer give you last year? I personally did not receive any kind of raise, bonus, or cost of living increase from my full-time job last year. I have actually only re...
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Edward Snowden Praises Zcash as a Secure Bitcoin AlternativeEdward Snowden tweeted yesterday that he considers the digital currency Zcash the most interesting Bitcoin alternative. Snowden likes Zcash because of its secure privacy. He said that Bitcoin is gre...